Эпизод 1

Dawn and Kelly, a massage therapist/acupuncturist and a farmhand respectively, recently bought a $500,000 house - their supposed dream home in the country as Kelly in particular is a country boy at heart - with a $100,000 down payment, some of which they had to borrow. They decided to build Dawn an office in the house so that she could work from home. However, because of the rural location, her income has dropped by about half from its previous $90,000 per annum when she was working in the city, leaving their combined income now at $86,000. In addition to Dawn buying new stuff for the house which they could already not afford, the house ended up being a fixer upper, which they did not anticipate. The maintenance and operating costs of the house are eating up their money, placing them in a catch-22 situation as they don't have the money to make the necessary house upgrades to save on those operating costs. Dawn handles all the household finances, Kelly not totally aware of how bad the situation is, it being so bad that unless things change, they could lose the house. Beyond the nuts and bolts of the financial plan, Gail has to get Dawn and Kelly to look at the house from a more critical standpoint, namely to get their brains out from their hearts, and what the costs and benefits are of that house compared to alternate housing.