Nell is contemplating walking out on her eleven year marriage to Darrell because of their consumer debt, which currently sits at $60,000. Nell handles all their household finances, and thus feels the weight of dealing with that issue all on her own. While Nell and Darrell have a joint bank account, Darrell also has his own bank account, from which he indiscriminately spends. To protect herself, Nell has secretly been stashing away $100 a month in a workplace savings plan about which Darrell knows nothing.