Rob is a physician who feels entitled to the nice things in life because he works hard and earns a good annual income, in the range of $100,000 to $125,000. However, his excessive spending has put their family in total debt of about $320,000. His wife of twenty-five years Yvonne owns a scrap-booking store, which sometimes will go through slow periods when she will not take an income. She initially allowed him his excesses because she felt she could do nothing about them. Finally fed up only a few months ago, she inserted herself into the household financial management.