The Great Wall of Silence

Becky and Mike, who have been married for thirteen years and have two children, have a combined income of $100,000 annually. They rarely talk about money or its management within their household, paying bills only when the final notice has come in and only to those vendors or creditors who yell and scream the loudest to them. They have no idea what they are doing wrong financially, never having money to pay the bills on time and already being a negative situation as soon as they receive their next paycheck. As such, they have no savings for a rainy day. And they have amassed a consumer debt of $56,000 on top of their $190,000 mortgage. They know that they are disorganized - one of the reasons bills never get paid on time - but they are unaware of how self-indulgent they are in their spending until Gail points it out to them. Becky and Mike have to plan their lives and the spending of their money, and talk about what they want to accomplish with their lives to see if their future spending will be on the same page. They have to find substitutes to shopping as entertainment. And Gail wants to show them, and in turn their kids, that nice things don't necessarily have to come from stores.