Michelle is 42, Ryan is 43. They’ve been married for 9 years and share three young children. Michelle worries about money; she always has. Ryan knows they’re in trouble, but can’t say no to their kids. On one income, spending outpaces earning—slowly draining their savings and weighing them down with dread over the future. 

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Links mentioned in this episode

• “We spend 113% of what we make—but can’t do anything to fix it” (Part 2)

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