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.
—Huggo