196. “He used to help me with debt…Now he’s making it worse”

Money For Couples with Ramit Sethi · Feb 18, 2025 · 1h 37m

Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt.

With fixed costs eating up 107% of their income and $25,000 in credit card debt, they’ve been repeatedly digging themselves into a hole—and scrambling to climb back out. Frank solves panic with credit card balance transfers. Jill struggles with emotional spending rooted in childhood. Their lack of communication and alignment has created a wedge in their marriage, making it hard to face their financial reality together.

Can Frank and Jill cut spending, break old habits, and build…