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

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 a stable financial future for their family—or will they let the weight of their debt pull them down? This episode is brought to you by: NordVPN | Secure your online privacy with NordVPN’s special offer. Get a huge discount on a 2-year plan, plus 4 bonus months free, when you sign up at https://nordvpn.com/ramit. Superhuman | Get a free month of lightning-fast email at https://superhuman.com/ramit. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit. Links mentioned in this episode • I’m looking for couples to work with on my podcast in 2025; please apply at iwt.com/apply • Order my new book: Money for Couples Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube 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.