Forest, 40, and Kathleen, 42, have been living large in California. The couple earns over $286,000 a year, which should be enough to live fairly comfortably with their two children. But years of reckless spending have landed the couple deep in the red, they recently told self-made millionaire Ramit Sethi, author of the forthcoming book, “Money for Couples,” on an episode of his podcast. Their last names were not used.