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

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 next big win will fix everything.

Can they dismantle these roles, get honest about their spending, and rebuild as true partners before it’s too late?

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