The couple is living above their means because their fixed costs are at 98 percent of their net income.

“but I think you two are living above your means”

The couple recognized they were living above their means and were willing to make lifestyle sacrifices.

“we both understand we are living above our means and willing to make sacrifices”

The couple was living above their means and needed to make significant changes to their lifestyle.

“we both understand we are living above our means and willing to make sacrifices”

She acknowledges that her family's spending is chaotic and lacks intention, noting that their current spending habits are an extension of how they feel emotionally.

“I was also very surprised to learn that the CSP really is a direct extension of how we feel right now which kind of leads me into my takeaways firstly the CSP really is as chaotic as we feel right now there's almost no intention behind our spending”

Natalie argues that her shopping habit is not a problematic issue because it is not toxic and she can afford her lifestyle.

“I just realized come to term that I love beautiful things it makes me feel good and why not it's not a toxic thing I'm not using substances it's just like clothes”