Kate (45) and Keith (53) split their time between Maine and Hawaii, living what looks like a dream life.

They’ve inherited wealth, run two small businesses, and have nearly $2 million in net worth. But with only $30,000 in annual income, they live in fear of spending—and cover their shortfall by dipping into savings.

Kate, recovering from long COVID, handles the finances but feels unworthy of her money. Keith, who once filed for bankruptcy, avoids money conversations entirely and worries he’ll be seen as a freeloader. Their roles are clear—one over-responsible, one disengaged—and their financial anxiety keeps them stuck.

They say they want to travel, be generous, and enjoy their Rich Life. But, how do you build a Rich Life when you’ve been taught to feel ashamed of the money you have?

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