Michelle and Ryan, in their early 40s, have a net worth of $970,000 but need help with daily finances. They continue to dig into their savings for regular expenses despite Ryan earning $140,000 annually. The couple spends a lot on their three kids and avoids telling them they don't have the money. "I don't say, 'We don't have the money, we can't afford it.' I don't say those things," Michelle, 42, told multi-millionaire Ramit Sethi on his "I Will Teach You to be Rich" podcast. Meanwhile, Ryan, 43, believes they are on a sinking ship and it won't be long before they run out of money.
