This podcast episode explores the financial struggles and challenges faced by Elizabeth and Jon, a couple who have been married for 13 years and are stuck in a cycle of debt. Despite earning more than they did when they first got married, they continue to struggle financially due to impulsive spending and a lack of communication about their finances. The episode delves into their excessive spending during Christmas and their use of prepay apps to fund their holiday expenses. It also discusses the emotional toll of managing their finances, the impact of their upbringing on their financial behavior, and the concept of self-sabotage. The importance of taking personal responsibility, engaging in financial discussions with one's partner, and seeking professional help is emphasized throughout the episode.