Becky and Mike, who have been married for thirteen years and have two children, have a combined income of $100,000 annually. They rarely talk about money or its management within their household, paying bills only when the final notice has come in and only to those vendors or creditors who yell and scream the loudest to them. They have no idea what they are doing wrong financially, never having money to pay the bills on time and already being a negative situation as soon as they receive their next paycheck.