More than $200,000 in cryptocurrency once supported this couple. Today, they are left with about $4,000 in assets and mounting debt.

“We’re improvising everything,” David told personal finance expert Ramit Sethi on the “I Will Teach You To Be Rich” podcast.

David said the couple treated their crypto gains like income, a mindset that gradually unraveled their finances. Both in their early 30s, they now live with David’s mother while raising their 5-year-old daughter after unstable work choices and spending decisions left them without steady footing.

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