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  • Andrea and Curtis, both twenty-eight and each who earns a modest $38,000 per annum income, have lived together for three years in a rented apartment, but they are not yet engaged as Curtis would like their $31,000 combined consumer debt gone before they make the commitment of marriage. Although they both have contributed to the creation of that debt, Curtis largely blames Andrea and her horse, Stink, who she has owned for fourteen years, as the cause of most of that debt. In reality, approximately eighty-five percent of Andrea's $20,000 debt is from student loans. Andrea, in turn, doesn't save to contribute to that debt as she figures that there is no point in doing so if Curtis won't save either, he spending his money on his sports toys or at the bar. Andrea admits she wants to get married to Curtis, but not with Curtis always lording Stink over her head as the cause of their money problems. Gail has to get this couple truly to act like a couple, and for them to get a true perspective on what is now largely the separate lives they are leading, Andrea always at the barn with aging Stink, and Curtis out playing sports or drinking at the bar when he's not at home watching the sports channel.



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