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- Ken and Michelle, with a combined income of $90,000, have been engaged for eighteen months, but have decided not to get married until they get out from under their debt, repayment for which they have made no plans. Ken, a truck driver, and Michelle, a part time social worker, don't talk about their money issues as they individually continue to spend on stuff, much of it still sitting unopened or unused. Ken spends on electronics, and on building materials as he renovates their basement to turn into a man cave. In addition to money on her arts and crafts hobbies, Michelle has taken a part time job at her favorite clothing store solely so that she can get the employee discount to buy clothes and more clothes. And both drive gas guzzling big cars. Not including their mortgage, they are $70,000 in debt. Gail has to show Michelle that the retail job is a cash hole and not a cash enhancer, and as such has to change that job so that they can start saving for a wedding. She has to show them what life would be like for that rainy day for which they have no savings to cover. And she has to get them to work together as a team to reach their financial and life goals.