Kevin and Ebony are both 52. They have two kids, both young adults, and have turned their attention to retirement planning. But standing in the way are $135,000 of debt, a recurring issue, and 29 years of deeply ingrained negative communication patterns when it comes to money.

This episode is brought to you by:

DeleteMe | If you want to get your personal information removed from the web, go to https://www.joindeleteme.com/ramit for 20% off.

Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more.

Links mentioned in this episode

• Get my New York Times best-selling book

• Get my no-numbers journal

• Get Money Coaching with Ramit

• Join Dream Job

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Download the Conscious Spending Plan

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Produced by Crate Media.

Reading The Bible While Black