Thirty year old Adam, who has an annual income of $35,000, four years ago "inherited" a house from his mother, and along with it a $300,000 mortgage. He went into the situation with his eyes wide shut. Twenty-five year old Tara, who has an annual income of $38,000, felt that one of the attractive aspects of Adam was that he did own a house at his age. When she moved in with him, they decided to share the debt of the house, which is currently $1,800 per month for the mortgage. Tara also changed the "face" of the household, cleaning and tidying, which included spending to do so. She was not aware when she bought into the dream that Adam was in arrears on both the mortgage and property tax. They are on the verge of breaking up because of the house, which they would both lose if they split since there is no way one of them could afford it alone. On top of these costs, they each are spending more than they can afford on lifestyle choices, such as on adult toys, luxuries and entertainment