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Matt and Cathy call in Gail to deal with his wife/her daughter, Alanna, who has always been a shopaholic. Instead of cutting back when Matt and Alanna's two children arrived, Alanna ramped up the spending. Matt and Alanna's combined annual income is about $50,000, Alanna's contribution being about one-quarter of it. Matt and Alanna have separated out their finances. Cathy states that Alanna has always treated credit cards like money, Matt and Cathy who have always bailed Alanna out when she couldn't pay her bills. Matt and Alanna and their family currently live in Cathy's spacious basement, and despite the nominal $500 per month rent, they are behind, Cathy who is contemplating kicking them out unless they catch up. In Gail, Matt and Cathy confronting her, Alanna does admit the error of her spending ways, but states that Matt is just as much to blame for their financial problems, he too who spends beyond his means. Because of their debt to income ratio, Gail sends Alanna and Matt to a bankruptcy expert to see if that is the best option for them. After the first attempt at a budget, Gail also believes they need assistance in setting goals to which both parties agree.