Married Roxanne and Shawn have different views of money and credit. Having a zero balance or less in savings scares Roxanne, whereas Shawn believes why pay for something now if you can pay for it later. As such, Roxanne has begun not to be totally honest with Shawn about money, i.e. she hides money from him. Their money problems began when they bought their house - which happened a year earlier than they anticipated - a step they saw as working toward their goal of starting a family.