Courtney Harrell (Host)

Because whatever you're buying or not buying or saving or spending, at the end of the day, money is always about more than your balance. I'm Courtney Harrell, and this is What We Spend.

I turn 32 in one week and I live in Salt Lake City. Kelly is one of the 42.8 million Americans who has student loan debt. And also, like a lot of her generation, she wants to buy a home and have a baby, and she's trying to figure out if it's possible to make all that work.

I turn 32 in one week and I live in Salt Lake City. Kelly is one of the 42.8 million Americans who has student loan debt. And also, like a lot of her generation, she wants to buy a home and have a baby, and she's trying to figure out if it's possible to make all that work.

I turn 32 in one week and I live in Salt Lake City. Kelly is one of the 42.8 million Americans who has student loan debt. And also, like a lot of her generation, she wants to buy a home and have a baby, and she's trying to figure out if it's possible to make all that work.

Kelly married her husband about a year ago, and eight months ago, the two of them moved from Tennessee to Salt Lake City, Utah. Ben is an engineer for a software company, Kelly's a director of client experience at a medical spa, and she's also an online mental wellness coach.

Kelly married her husband about a year ago, and eight months ago, the two of them moved from Tennessee to Salt Lake City, Utah. Ben is an engineer for a software company, Kelly's a director of client experience at a medical spa, and she's also an online mental wellness coach.

Kelly married her husband about a year ago, and eight months ago, the two of them moved from Tennessee to Salt Lake City, Utah. Ben is an engineer for a software company, Kelly's a director of client experience at a medical spa, and she's also an online mental wellness coach.

Kelly is paid hourly, but she makes about $50K a year. And Ben makes about $78K. That's before taxes and health insurance. Together, that puts them just under the average income for married couple families in Salt Lake City. How would you describe your relationship with money?

Kelly is paid hourly, but she makes about $50K a year. And Ben makes about $78K. That's before taxes and health insurance. Together, that puts them just under the average income for married couple families in Salt Lake City. How would you describe your relationship with money?

Kelly is paid hourly, but she makes about $50K a year. And Ben makes about $78K. That's before taxes and health insurance. Together, that puts them just under the average income for married couple families in Salt Lake City. How would you describe your relationship with money?

What do you do on a weekly basis to manage your expenses?

What do you do on a weekly basis to manage your expenses?

What do you do on a weekly basis to manage your expenses?

OK, yeah. So walk me through your spreadsheet. So I would love to hear what all of your regular expenses are and like what you kind of typically pay in each category.

OK, yeah. So walk me through your spreadsheet. So I would love to hear what all of your regular expenses are and like what you kind of typically pay in each category.

OK, yeah. So walk me through your spreadsheet. So I would love to hear what all of your regular expenses are and like what you kind of typically pay in each category.

Two gym memberships, $108. Car insurance, $254.

Two gym memberships, $108. Car insurance, $254.

Two gym memberships, $108. Car insurance, $254.

phone payment $75, pet insurance $76, and physical therapy for $250. It helps with Kelly's chronic back pain and osteoarthritis.