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- Thirty-somethings Terry, an operations technician/writer/singer, and Andrea, who operates a day care out of the home while she takes care of their three children, are addicted to money. They would rather spend whatever money they have on stuff to get that instant gratification rather than pay bills, non-payment of which they have not yet seen the dire consequences. They finance their debt by other debt sources. A prime example is their house, bought on a $0 down payment, the house which has now been remortgaged. They borrow more than they need, that extra money which again provides them with an adrenaline high to spend. In addition, their instant gratification purely is for the moment as their house is a junk heap, no one putting anything away after its use. Before they can curb their spending, Gail has to get them to organize their lives so that they can see just how much stuff they have, and so that they can truly see what their financial situation is by going through their paperwork. They will have to make a drastic decision: earn over $1,000 more a month or sell the house. She also wants them to "see" a change in their lives, from the slobbily dressed teenagers they look and behave like, to mature adults.
- Jacqueline and Grant met online as fans of Queen, and have now been married for six years with an infant child and another on the way. Jacqueline is also the queen of coupon shopping, she justifying spending on stuff because it's a good deal, not realizing that most of it is stuff she probably would not need. But it becomes less of a good deal when it is causing debt - their consumer debt currently at $53,000 - on which they have to pay interest. She believed she was managing their debt, but in reality was paying off their debt with more debt while she racked up more purchases. Grant's spending is on the bigger ticket items of vacations, he not caring if a vacation causes them to go into debt. While Jacqueline stresses about Grant's lackadaisical attitude about paying bills on time, Grant is stressed about their debt level, but doesn't have the wherewithal to do anything about it. Their financial problems are in part a cause of their crumbling house, which is in need of many repairs, but which is the lowest item on their priority list. Gail shows them that they have to place more of a priority on their house, their primary asset, which means making repairs and organizing all the stuff that Jacqueline has purchased. She gets them to place their vacations in their proper light as a luxury and not a need, vacations which they can only take if they have the money. And she needs them to start communicating instead of fighting or ignoring their issues.