Shannon and Pete, who earn a combined income of $78,000 annually, have been together for three years. Before getting together, Shannon already owned a house, where they now live and to which Pete is now an equal contributor. The problem is is that both are financially irresponsible, individually and as a couple. Although they knew they dealt with money poorly, their financial mismanagement became a problem when they tried to renew the mortgage. Shannon belonged to a buyers club which was only worthwhile if spending was in the thousands per year. Because of all the stress, Shannon quit her job, despite knowing the reduced income would make their financial problems even worse. Pete, on the other hand, had previous debt, his creditors now affecting his current financial viability. They include a student loan, thousands in unpaid parking tickets, and twelve years of non-filed income taxes (for which the government has begun to garnish a percentage of his wages). He had just avoided all