As a couple, they have $285,100 in debt and currently spend around 154% of their monthly income, they told self-made millionaire Ramit Sethi on his "I Will Teach You To Be Rich" podcast last month.
But the couple also has around $12,500 in credit card debt, Lucas tells Sethi.
Lucas says when the couple bought their third car earlier this year, he figured they could afford the monthly payment.
"Never make major purchase decisions based on monthly payment," Sethi says.
A low monthly payment can lure you into a number of different financial decisions that work out fine in the short-term, but can cause trouble down the line.
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Trin, Lucas, Ramit Sethi, Rich, Sethi, he's