210. “We make $170k—but spend like we make $450k”

Money For Couples with Ramit Sethi · May 27, 2025 · 1h 2m

Clara (29) and Devin (34) are married with three young kids, trying to build a future while juggling debt, stress, and wildly different approaches to money.

Clara racked up $20,000 in credit card debt, while Devin chooses to gamble instead of investing for retirement. They earn well and own two properties, but with zero savings, 75% in fixed costs, and no shared goals, their financial foundation is crumbling. Underneath the spreadsheets and the spending is a toxic parent-child dynamic, causing Clara to feel disempowered and ashamed, while Devin’s “dreamer” mindset leads him to believe the…