A couple started out with about $45 between them. Over their 23 years together, they've paid off $350,000 of debt.

• Mina and Joe Coleman made about $250,000 a year and had $350,000 in mortgages.
• Then they decided to rent out their townhome and live on a boat with their three children. 
• The couple now make less money and continue to split finances as Mina Coleman makes a career pivot.

This is part of our series Splitting the Difference, which examines the financial lives of couples.