Together for ten years, thirty-somethings Celine and Ron still have the same mentality when they first met, spending money solely to have fun. This spending includes always eating out, and frequently vacationing, at resorts only four star or higher. They have not incurred much debt as their respective families have often paid for their needs, but neither have they made any effort to pay off whatever debt they have. Celine is now seven months pregnant with their first child. The pregnancy was unplanned, they have done nothing yet for the baby including not finding a place bigger than their current one bedroom apartment to house the baby, and they have no idea how much a baby costs or on what their money for the baby should be spent. Gail not only has to get them to prioritize their lives so that baby comes first, which first and foremost entails giving them life skills such as knowing how to cook, she has to give them the tools to learn how to budget for their lives plus baby in the