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- Melanie and Kevin have a combined income of about $80,000 annually, largely from Kevin's job as a plumber. Melanie, who is an independent cosmetics salesperson, is primarily mom to infant Rozlyn, with a second unplanned child on the way. They went from having no debt when they first got together to currently having $42,000 in consumer debt. They fight over money, most of it over Kevin's spending on cigarettes, and his new expensive and not totally paid off gas-guzzling truck, which he does not need. The stress of the fights is negatively affecting their marriage, Melanie who responds by some therapeutic shopping of her own. Their young marriage is on the verge of collapse because of these issues. Gail has to get Kevin specifically to get rid of his two big money holes, namely the truck, and the smoking, the latter which she tries to impress that the money instead could have been going toward a house down payment. Melanie's individual task is to determine her actual income which she does not know, and how much she will be bringing in in maternity benefits. Gail also has to get them both to: increase their income, especially Kevin as plumbers should be earning upwards of $30,000 more than he currently is; plan for the upcoming baby and how they are going to pay for those costs; and learn how to communicate effectively so that they are working together to overcome their problems. The entire process could be derailed by hot-tempered Kevin, who admits he does not respond well to criticism.