In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover three cars (for two adults), sporadic debt management, high pet care costs, hidden student loans, and what seems like no way out from under it all.

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Links mentioned in this episode

• “We have $22k in cc debt—but I want to renovate the house” (Part 1)

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Episode 435: This Kitty's Evolved (Feat. Hynaken & Esso)