"I’m 40 and work 2 jobs. How are we still broke?"

Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids and over a decade of financial struggle behind them. They both work multiple jobs. Chris travels all week as an electrician and picks up brewery shifts on weekends. Gabriella manages three income streams while running the household alone. And yet they have zero savings, $32,000 in credit card debt, and fixed costs sitting at 109% of their income.

But the numbers are only part of the story. What Ramit uncovers is a marriage where 95% of their relationship with money has never been spoken about out loud. Gabriella has been managing everything alone for years, si…