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- Jennifer calls in Gail to deal with her husband, Bryan, they the parents to two young daughters. Jennifer earns the bulk of the family's money. Bryan's approximate thirty percent contribution - now $20,000 annually as a carpenter - and more goes primarily toward his own vices, namely nights out eating with the boys, copious quantities of good beer, and cigarettes. In addition, he has a thing for nice televisions, he spending most of his time at home in his "man cave" in the converted garage. With the television issue, he now refuses to sleep in his and Jennifer's bedroom since there is no television in the room. Soft spoken Jennifer has given up trying to talk to Bryan about money, as it leads to arguments and Bryan shutting down. As such, neither Bryan or Jennifer, the latter who handles all the household finances, has any idea how deep in debt they are as a family, that debt which is primarily Bryan's in spending on his own vices. Especially as Bryan professes to have his daughters' best interest as his first priority, Gail wants there to be a better balance in the household, meaning Bryan getting out of his holistic adolescent mentality. In a practical sense, it means Bryan taking responsibility for knowing about the household finances, each contributing his or her fair share to the household finances including Bryan taking care of his own debt (with their disposable income his or her own based on what is left over), Bryan making more of an effort to earn more money in his now chosen trade, and Bryan limiting or totally cutting out some vices, namely having a defined amount of beer a week and quitting smoking. But some of the onus is also on Jennifer in standing up for herself which she has been unable to do in their relationship thus far.
- Chris calls in Gail to deal with Nicole, his divorced daughter who has a daughter of her own. Nicole's money problems started during her unhappy marriage, when she started using shopping as an escape. When Nicole got divorced four years ago and bought herself a condo in which to live, the shopping as "happiness" therapy should have stopped, but it didn't. And then when Chris went through a health scare, he gave Nicole signing authority to his financial products, she who ultimately drained his bank account of $35,000 leaving him now with nothing on which to retire. Nicole knows what she did with her father was wrong, she who just recently removed her name from his accounts. Prior to Gail's intervention, Chris and Nicole didn't talk about any of her money issues in not wanting to place that open strain in their relationship. Nicole is worried about the process with Gail if only because she has never watched her spending, feels she doesn't have a natural aptitude for all that is entailed, and doesn't have a partner on which she can call upon to help her. And although she does want to repay back her father who she loves dearly and thus wants to have a happy and comfortable retirement, Nicole may find it difficult to give up those "wants" in her life, such as her regular mani/pedis, which were the source of her happiness for so long.