Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending. With low savings, their debt mounts while they both lease luxury vehicles.

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• "My husband doesn’t trust me to run our business" #1

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Kettensägentango (6): Wenn das Guanako dreimal wiehert…