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- Rainer and Faith have no concept of their exorbitant spending, he in particular always underestimating exponentially their financial outlays. Recently with close to $30,000 in credit card debt alone, Rainer reluctantly accepted his parents' help to pay off that debt, only for Rainer to rack up even more credit card debt. Now engaged, Faith goes along with Rainer's ride, the two still in what was their dating mode of always going out to impress and have fun, and not denying themselves their guilty pleasures. Thirty and twenty-seven respectively, they still see their spending as typical for young people their age. In addition to needing money for the wedding, they now also have a mortgage. This debt problem may even be worse if they decide to have a baby sooner than later. They are not only scared of that extra debt, but of setting a bad example for their future children. Gail has to figure out the root of their spending addiction, which she learns is overcompensation for him, and self-esteem for her. She has to show them that couples their age can make wise spending choices relative to their income. She has to show them that whatever budget they set for themselves, they are not denying themselves but being satisfied, which means entertainment that is more often than not free. And she has to show them in real terms what their lives will look like if they continue on their current path.