Kathleen and I used to fight about money all the time.
We put furniture on credit cards. We did cash-out refinances to pay off debt, then ran the debt back up. Then came a month when we had to choose between groceries and the mortgage.
We owed on a personal loan, two car loans, student loans, credit cards, and a solar loan.
Nothing changed until we sat down, agreed on one plan, and both gave something up.
From 2020 to 2024 we paid off $147,000 of consumer debt. Today we talk about money openly, and we do not fight about it.
