Lucy and Dave, who have two teenagers at home, have a healthy combined annual income of $139,000, but they still have major debt problems to the tune of $60,000 in consumer debt alone, not including their mortgage or what consumer debt that have already consolidated into their mortgage. They know that the biggest mistake they made was borrowing money for the down payment for their house. But they also know that the largest problem to that consumer debt is Lucy's addiction to shopping.