We're still in the same house that we bought when when we first got married. It was supposed to be a starter house and here we are 13 years later still still in the same house, still in the middle of renovating it.

I thought we would be done with renovations.

I thought we would be not living paycheck to paycheck. We couldn't save a thousand dollars which is

pathetic but we needed the money. I would save a hundred dollars and

something would come up or fifty dollars and something else would come up again.

We could never get past that step.

I've failed our, I wouldn't say our marriage,

but I've failed to provide us a life that we deserve.

Technically, we've made it. We're making way more than we made when we first got married, but we're still in the same place that we were 13 years ago, but worse.

Meet Elizabeth and John. They're in their mid-30s. They've been married for 13 years

with an eight-year-old daughter and they spend way too much. They're stuck, they're in debt, they admit to being

impulsive with their money, but they can't figure out what to do to make a change.

They told me in their application that they have a 10 out of 10 problem

and that within one year they're going to reach a breaking point. But when I talk to them,

I'm surprised at how casual they sound about the severity of their situation.

Listen in as you meet Elizabeth and John.

For me, Christmas is a huge thing. We're huge on giving gifts.

We're huge on family. We're huge on food and usually Christmas is the time where we are overly strapped. We overspend. We want to give the best gifts for our daughter. She's our only child.

She's obviously very special to us. She's our miracle baby.

So we like to spoil her. We like to give her everything she's asking for, that usually requires us

borrowing against every little thing we can possibly borrow against.

Like what? We've used the like prepay apps like Larna and

...