Early thirty-somethings Jillian and Orson, who have two toddlers, earn a combined income of $70,000 annually, which does not go very far for a family of four in the expensive city where they live. They were already in debt individually when they came together. Jillian spends on little things, such as going out for lunch with coworkers leaving the brown bag lunch Orson made for her sitting uneaten in the fridge, which over time adds up.