Four kids, nearly $1M in debt, and Ramit Sethi back on Zoom
Rebecca and Matthew's episode turns on one hard question: should a lawyer close his own firm for a steady paycheck?
I Will Teach You To Be Rich
Story of Why this story? The video opened at a pace of 151,117 views a day, 20 times a normal first day on this channel (7,683).
"We have 4 kids and nearly $1M in debt. Are we screwed?”
Can a family earning around $185,000 a year still be in real trouble? Rebecca and Matthew, married for 16 years with four children, put that question to Ramit Sethi, and their episode, "We have 4 kids and nearly $1M in debt. Are we screwed?", passed 130,000 views in its first 18 hours. A new upload here usually ends its whole first day under 8,000.
The description lays out the trouble plainly. Their income arrives unpredictably, most of it is swallowed by fixed costs, and their savings would barely cover a car repair. Matthew's law school loans have doubled since he graduated. Sethi spends much of the nearly two hours on what he calls a chaser-avoider pattern: Rebecca says she is always in the dark about when money comes in, while Matthew tends to fix things alone and quietly. The last chapters ask whether he should walk away from his business and take a stable job.
That question fills the comment section. Several viewers who are lawyers themselves write to Matthew that running a practice and practicing law are different skills, and the private school bill, a theme across Sethi's recent couples, comes up again.
The format gets almost as much attention as the couple. This conversation happened over video call rather than in a studio, and the couple's actual spending was pulled up on screen instead of guessed at. Many commenters cheer the return to remote episodes and say seeing the real numbers changes the show.
It follows the $11 million "rich poor people" couple from last week, and a shorter cut of the same story went up on the same day.
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What viewers say
we back on zoom!!!!
@joedor101See it on YouTubeZoom Ramit wasn’t playing. Kudos to this couple for being tough enough to take this kind of directness. I’d probably have passed out from the anxiety and scrutiny like 20 minutes in.
@SamMKKKSee it on YouTubeWE’VE NEEDED A COST BREAKDOWN!!! So many of these people actually have no idea what they are spending. The last two episodes really really showcased that. This is awesome.
@hannadonofrio3055See it on YouTube
Public comments from the video's page on YouTube
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- Channel
- I Will Teach You To Be Rich
- Subscribers
- 1,130,000
- Channel views, last 7 days
- 1,572,072
- Channel views, pace per day
- 242,777 (on a normal day: 143,901)
- Video published
- October 6, 2026
- Video views so far
- 133,883 (less than a day online)
- Video views, pace per day
- 151,117
The numbers
A long couples conversation opening like this is far from the usual first day for this channel.
💡 Test your knowledge
Matthew is a lawyer. Which exam must lawyers in the United States usually pass before they can practice?
The LSAT is for getting into law school, while the bar exam is the licensing test lawyers take to practice.
