I Will Teach You To Be Rich

I asked members of the IWT community who have been married 💍 at least 10 years to share their advice on money and marriage. Here’s what they said 👇🏾

1. Make sure you have chemistry when it comes to money. If you and your partner share the same values, money management is a lot easier.

2. Don't try to change the other person. Change is possible, but very few of us truly meet our partner where they are and work to create a shared vision together. Without that, change is really hard.

3. Talk about money A LOT. My wife and I have time set aside every month.

4. Make big financial decisions together. By getting the big stuff right, you don't have to worry about your spouse's daily latte habit.

5. Lean on each other when times get rough. By working as a team, you can play to each of your strengths and learn from each other.

Great marriages don’t avoid money, they build a plan around it.

Inside Money Coaching, couples learn how to align values, make big decisions together, and stop fighting about the small stuff.
Join today: iwt.com/moneycoaching-ct

10 hours ago | [YT] | 312

I Will Teach You To Be Rich

Stephanie and Chris are in their early 40s with three young kids, two with special needs. On paper, they should be fine. In reality, they’re barely holding it together.

– 92% of their income locked into fixed costs
– $544,000 in debt
– Almost no savings
– Stephanie manages the money and feels dismissed every time she raises concerns
– Chris insists “it’ll all work out,” but years of optimism have turned into inaction

With burnout, resentment, and delayed decisions piling up, the pressure is reaching a breaking point.

Watch the full conversation with Stephanie and Chris on this week’s new episode of Money For Couples, below ⬇️

This is what happens when responsibility and denial collide.

One partner carries the mental load. The other avoids the discomfort. And the system slowly collapses under the weight of “we’ll deal with it later.”

That’s exactly why I created Money Coaching.

We help couples stop minimizing the problem, communicate honestly, and build a realistic plan that actually reduces pressure, especially when life is already demanding more than usual.

If you’re exhausted from holding everything together and hoping it somehow works out, join us here: iwt.com/moneycoaching-ct

16 hours ago | [YT] | 15

I Will Teach You To Be Rich

Yes, if you make more money, you should spend more! You should also save and invest more money.

Amazing food, incredible travel, beautiful clothes, charities, generosity, health, family, learning...the point of money is not to hoard it — it's to use money to live a Rich Life.

If you want a plan that lets you spend more and save and invest more — without guilt — Money Coaching helps you build a system that supports your Rich Life. Join today: iwt.com/moneycoaching-ct

1 day ago | [YT] | 275

I Will Teach You To Be Rich

How many times have you heard me say budgets don't work? Budgets fight human behavior. That’s why they don’t stick.

On February 11, I’m inviting Mike Michalowicz, author of “The Money Habits” to host Rich Life Expert Sessions. He’ll teach his money system built around how we actually behave. The event is free to join, visit iwt.com/Events to sign up.

1 day ago | [YT] | 75

I Will Teach You To Be Rich

THE BEST & WORST BANKS TO USE

Here are a few banks that I’ve found work well for many people — along with my own personal picks — and the ones to avoid.

PERSONAL PICKS:

✅ Schwab (schwab.com/banking): In my opinion, this is the single best checking account available.

Schwab offers a stunningly good account with no fees, no minimums, no-fee overdraft protection, free bill pay, free checks, an ATM card, automatic transfers, and *best of all* unlimited reimbursement of any ATM usage.

Although you need to open a Schwab brokerage (investment) account to get all fees waived, you don’t actually need to use the investment account. It can just sit there, empty, as you use the amazing features in the checking account.

Important to note: you cannot deposit physical cash through this account, so if depositing cash is important, you’ll need to pair this checking account with another checking account.

✅ Capital One (capitalone.com/bank): This is the savings account I use.

No fees, no minimums, and no tricky up-sells or annoying promotions. It’s not always the highest interest rate, but it’s close.

✅ Ally Bank (ally.com/bank): No-fee savings account, has solid Interest rates and works great.

✅ Other accounts to consider: Marcus by Goldman Sachs and American Express Personal Savings

AVOID:

❌ Bank of America
❌ Wells Fargo

They treat their customers like sh*t. They are predatory banks that rip you off, charge near-extortionate fees, and use deceptive practices to beat down the average consumer.

These banks charge monthly maintenance fees, meaning they cost you money just to have an account. You can get the monthly fee waived if you meet certain requirements, such as maintaining a minimum average balance or receiving enough qualifying direct deposits, but why use a bank that makes you jump through hoops to avoid fees?

Should also be noted that they have been fined by the government for opening fake accounts targeting minorities and many other offenses.

If you use these banks, don’t. You’re asking to be mistreated if you do.

Choosing a good bank is step one. Building a complete money system — where your checking, savings, investing, and spending all work together — is what actually changes your life. That’s exactly what we build inside Money Coaching.
Join today: iwt.com/moneycoaching-ct

2 days ago | [YT] | 249

I Will Teach You To Be Rich

My comments are filled with older people telling young people to “stop buying coffee” and “stop being stubborn about where you live & move to Arkansas to buy a house.”

I find it absurd and condescending.

It’s intellectually lazy to point at young people buying lattes while ignoring the very real STRUCTURAL reasons that young people are financially struggling:

→ Boomers bought a middle-class house on one salary. The value of the house didn't just go up because “house prices always go up” — they systematically rigged local governments to make it *illegal* to build more housing in virtually every city in America.

→ Healthcare has become incredibly expensive.

→ Pensions are largely a thing of the past.

→ America has become a gerontocracy where this country actively lavishes rewards on an aging population while stripping young people of a financial future. Even now, there are discussions to stop property taxes and portable mortgages (both giveaways to older, wealthy — homeowners that do nothing to solve a lack of housing supply). Our geriatric politicians are completely out of touch with the needs of young people, too.

This is not a post to demonize boomers or justify overspending. I believe in simultaneously taking personal responsibility AND acknowledging the need for systemic change. And older people vote.

But I'm tired of these tired tropes of young people taking too many trips to Bali as a reason they're financially struggling.

You can acknowledge systemic problems and still take control of your own finances. Money Coaching is about building a system that works in the real world — not pretending lattes caused a housing crisis.
Join today: iwt.com/moneycoaching-ct

2 days ago | [YT] | 783

I Will Teach You To Be Rich

So many people think these are “just how life works.” They’re not. They’re choices.

Questioning the default is powerful. Backing that up with a plan so your money supports your choices is where it gets real.

That’s the work we do inside Money Coaching. Join us today: iwt.com/moneycoaching-ct

Which default are you questioning right now?

3 days ago | [YT] | 314

I Will Teach You To Be Rich

Want to learn something new about your partner? Here’s a script to have a FUN conversation about money.

It’s what I call the “Rich Life Bucket List Exercise for Couples”

1. Take two separate pieces of paper & write down your Rich Life Bucket List.

2. Compare your lists, & come up with a timeline.
* By age 40, we’d like to do ...
* Between ages 40 & 50, we’d like to do ...
* Between ages 50 & 60, we’d like to do ...

3. From your timeline, pick the two most meaningful items.

4. Create a plan to make your top two items happen!

Remember to start with curiosity, not judgment, & ask lots of follow-up questions. Get excited!

Will you try the Rich Life Bucket List exercise with your partner?

If you want to turn these Rich Life conversations into real plans — with real numbers and a real timeline — that’s exactly what we build inside Money Coaching. Join today: iwt.com/moneycoaching-ct

3 days ago | [YT] | 279

I Will Teach You To Be Rich

“Just work harder.”

That’s what most people think it takes to get things done. But that’s not how real life works.

You get distracted. You procrastinate. You scroll TikTok at midnight and promise to “wake up early tomorrow.”

Been there.

A day on the couch won’t ruin your life — but your *system* (or lack of one) will.

Here are 3 tactics I’ve used to go from procrastinating dreamer to bestselling author and business owner:

➡️ Rule #1: If it’s not on your calendar, it doesn’t exist.
Forget to-do lists. I run everything — work, workouts, relationships — from my calendar. Weekly, monthly, quarterly reviews. All blocked in.

➡️ Rule #2: Stop lying to yourself.
Be honest: What did you say you’d do last month? What did you actually do? That’s the gap to fix — not your motivation.

➡️ Rule #3: If it’s a “no,” say it now.
Don’t let guilt fill your inbox. Here’s a script to free up your time:

Hi NAME,
Thanks for this invitation. I’m flattered! Unfortunately, I’ve got my priorities set for the year and this just doesn’t fit in. Again, thanks for thinking of me.
-YOUR NAME

Try sending that to one person today. Watch what happens.

Because successful people don’t wait for motivation, they build systems that do the heavy lifting.

Want to build a system for your money that works automatically — even when you’re tired, busy, or distracted? Join Money Coaching today: iwt.com/moneycoaching-ct

4 days ago | [YT] | 620

I Will Teach You To Be Rich

Should you make a major purchase right now? HELL NO!

Pause the house hunt.
Hold off on the new car.
Delay the big trip.

Right now, your biggest advantage is flexibility.

People think they’re “being consistent” by sticking to their plans — but consistency isn’t strength when the world around you is changing. Adaptability is.

If the stock market’s tanking, if layoffs are making headlines, if prices keep rising, your job is to make sure your life doesn’t have to run *perfectly* for you to survive and thrive.

That’s what Money Coaching helps you do — design a system that still works when everything else doesn’t.

So stop guessing and start running your finances like a pro: iwt.com/moneycoaching-ct

4 days ago | [YT] | 302