Sam and Stephanie, who have four children, are in overall the worst shape of any couple Gail has ever seen. With a combined income of $92,000 annually, most which is contributed by Sam, they lead a flashy life of material goods, a television in each bedroom being the least of it, none of which they can pay for. As such, they take out high debt loans, not realizing the interest rates or that what little money they are putting into repayment goes primarily into paying the interest.