Thirty-somethings Terry, an operations technician/writer/singer, and Andrea, who operates a day care out of the home while she takes care of their three children, are addicted to money. They would rather spend whatever money they have on stuff to get that instant gratification rather than pay bills, non-payment of which they have not yet seen the dire consequences. They finance their debt by other debt sources. A prime example is their house, bought on a $0 down payment, the house which has now been remortgaged.