‘You’re completely chaotic’: This young Kansas couple makes $112,000 and has low debt – but still managed to hit bottom. Dave Ramsey says there’s only one explanation

Financial problems often stem from low income or high debt. However, some people simply suffer from bad planning. Kansas-based Cole says he and his wife make a combined income of $112,000 but are struggling to get by. He says he forgot some bills, and an unexpected medical emergency for his son put his account into overdraft.

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