196. “He used to help me with debt…Now he’s making it worse”

Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt.

With fixed costs eating up 107% of their income and $25,000 in credit card debt, they’ve been repeatedly digging themselves into a hole—and scrambling to climb back out. Frank solves panic with credit card balance transfers. Jill struggles with emotional spending rooted in childhood. Their lack of communication and alignment has created a wedge in their marriage, making it hard to face their financial reality together.

Can Frank and Jill cut spending, break old habits, and build a stable financial future for their family—or will they let the weight of their debt pull them down?

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Links mentioned in this episode

• I’m looking for couples to work with on my podcast in 2025; please apply at iwt.com/apply

• Order my new book: Money for Couples (iwt.com/moneyforcouples)

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• Get Money Coaching with Ramit (iwt.com/moneycoaching)

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Produced by Crate Media (crate.media).