Carol and her husband, Scott, have a nice home and a 14-month-old daughter. Although Carol, a stay-at-home mom, says they live a comfortable life, she starts to worry whenever money crosses her mind. "I feel like we have nothing. We don't have a 401(k) or IRA. We don't have any savings. We don't have wills or even a college fund for our daughter," she says.
While Carol says she eats peanut butter and jelly sandwiches to save money, she says Scott goes out for lunch every day. "We have spent $35,000 in the last 10 months on things we didn't need," she says. "I cannot convince my husband for all the world that he needs to stop spending like a lunatic."
Carol says the stress is starting to take a toll on her—and her marriage. "I don't want to be a statistic. I love my husband, but I can't keep living this way," she says.